Threatening calls

ComplaintsCollection AgenciesConsumer Portfolio Services 800-757-0211

Complaint

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Iline
Country: United States
They call me at all hours of the day. I am on a maternity leave and they have been calling my office every day. They accuse my coworkers in lying and covering for me because they say that I am on leave.  I tried to talk to them but they are threatening me with police and say  they will take my vehicle.

Comments

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  • 0
    bernetha patterson
    i was unfortunate enough to have gotten a loan with this company,had i done some investigating prior to this i would have refused the loan,these are some very rude lying and coniving people if you can consider them part of the human race.they called my job pretending to be who they were not,one man threatened to tell the general manager of the hotel that i work for that i did not pay my bills,he even threatned my daughter and her 13 year old child when they said i was not a home.i was behind on my payments but i had made arrangements and they said if i sent 700.00 they would work the rest out and i did and they repossed the car.these people should be out of business the way they handle things.i do not understand why they have not been investigated because of all of the complaints that the company gets because they are really underhanded and lowdown people.
  • 0
    bernetha patterson
    please include me in the class action suit if one is filed,
  • 0
    jenna wilson
    you sir must work for cps or you are just a plain a***hole
  • 0
    bernetha patterson
    if you have issues with these people be aware that they will not leave you alone no matter what,but one person that you need to look out for among the other lowdown people is someone by the name of matt miller he was the one that told me that if i sent the $700.00 they would work something out with me and as soom as they received the $700.00 they repossed the car so do not trust these people especially matt jennings acually you cannot trust anyone there they are all criminals.
  • 0
    Wendy
    They will and have called me since the very first month and they call 2 weeks before your payment is due wanting to know when will you be making a payment...and i always respond the very same way.."When IS MY PAYMENT DUE""   Well that is when you can look for a payment....
  • 0
    Rose
    I hate CPS they suck! Class action? I definately agree there should be one and I want to be in on it. They are ignorant self-centered jerks. I can't believe they are still in business. I think they should be shut down. I have been with them for a year and I wasn't even late on a payment and they called my work!! I called them and made them take that number out of their system. In writing you can send them a letter (certified of course) to direct all contact to you via "snail mail" if they are harrassing you. No one can harrass you legally, and if you specifically certify and put in writing with it notaraized they could definately be sued. I would just like to see them get shut down. If anyone hears anymore updates on them please e-mail me. Thanks :) And as far as ignorant people responding to these comments, just stay out of it unless you have something useful to add. rnarveson@gmail.com
  • 0
    OHYEA
    WELL WHAT IF YOUR GOOD CITIZEN YOU HAD FULL COVERAGE, GAP AND STILL HAVE A SMALL 1500 BALANCE BUT YOUR CREDITOR STILL WONT WORK WITH YOU AND RAPING YOU WITH ADDITIONAL INTEREST!!! ON A CAR YOU NO LONGER HAVE AND TOOK CORRECT AVENUES.... NEED SMALLER PAYMENT OF COURSE AS LONG AS PAYING... THESE PEOPLE ARE RATZ AND CAUSING ME HEALTH PROBLEMS, THREATING ME GARNISHMENTS, HARRASSMENT WHEN BEFORE MY AUTO SETTLEMENT I WROTE LETTER THAT I COULD ONLY PAY 40-60 BUCKS FOR NOW BUT AT LEAST PAY SOMETHING,,,, NO THEY WANT TO YELL, SAY I OWE I NEVER SAID I DIDNT BUT JESUS CHRIST BETTER TO GET SOMETHING AND IS VERY RIDICOULUS PAYING OVER 30 A MONTH IN INTEREST FEES!! ON CAR THAT WAS IN ACCIDENT AND MOST PAID OFF BUT THE LAST TWO PAYMENTS FROM WEEK OF ACCIDENT-THESE PEOPLE HAVE NO PROPER ASSISTANCE-THREATS THREATS SOMEONE GOING TO GO SNAP! THAT COMPANY- VERY VERY STRESSFUL AND IM SUCIDIAL ALREADY!!!  NO ONE NEEDS THIS EXTRA KRAP-FOR ONE I PAID AND TRYING AND STILL THEY TREAT YOU WITH NO RESPECT-I RATHER kill myself!!!!!
  • 0
    tiffany
    | 2 replies
    I UNDERSTAND LIFE GIVES YOU LEMONS BUT YOU HAVE THE CHOICE OF WHAT IS GOING TO BE DONE WITH IT. STOP COMPLAINING ABOUT WHAT AN COMPANY DOES/DOESN'T DO, FIX THE PROBLEM YOURSELF.  DON'T SIGN AN CONTRACT IF YOU ARE NOT GOING TO HONOR IT, CPS DID NOT TAKE/FORCE ANYONE TO THE DEALERSHIP;FORCE THEM TO SIGN THE CONTRACT. THEY DIDN'T COME LOOKING FOR YOU, YOU (AND DEALERSHIP) CAME LOOKING FOR THEM. THERE IS NO GRACE PERIOD, HAVE TEN OR FIFTEEN DAYS BEFORE GETTING AN LATE FEE YOUR ARE STILL IN DEFAULT OF THE LOAN (CAN ANYONE READ???) SO THE LOAN IS GOING TO BE IN COLLECTIONS. FORD/HONDA LIEN HOLDERS DEAL WITH PEOPLE THAT DEAL WITH LIFE LEMONS, THEY DON'T GIVE REASONS WHY THEY CAN'T PAY. MAYBE SOME PEOPLE SHOULD USE THESE CUSTOMERS AS EXAMPLES TO FOLLOW. (AND OF COURSE NO ONE IS FOLLOW THE LEADER, UH?) STOP TRYING TO HIDE BEHIND THE LAW(IT DOES NOT HAVE THIRD PARTY COLLECTIONS), LYING ON THE COMPANY/COLLECTORS AND DEAL WITH YOUR ISSUES. I CAN BET MY LAST DIME EVERYONE COMPLAINING IS STILL DRIVING THE CAR PUTTING WEAR/TEAR AND MILES ON THE VCH - I CAN STAND UP TO SAY I WAS BROUGHT UP BETTER THAN TO BLAME OTHERS - HAVE TO LOOK AT MYSELF FIRST!!!!!
    • 0
      Matt replies to tiffany
      | 1 reply
      Ummm there is a 10 day grace period on my loan. Says right in the contract.
      • 0
        Brad replies to Matt
        I was curious if there was a grace period I just got financed with cps
  • 0
    tiffany
    THIS IS AN FINE DISPLAY OF CPS CONSUMERS! NOW I SEE WHY EMPLOYEES MAY TREAT SOME CUSTOMERS LIKE YOU CLAIM, BEFORE ANYTHING NEGATIVE OR I GET CURSED OUT; I AM AN CUSTOMER: I HAVE BEEN LATE A COUPLE TIMES, THEY HAVE CONTACT MY FAMILY BUT NEVER NO INFORMATION WAS GIVEN. THEY WERE GOOD BY ASKING ABOUT MY CAR AND WAS I HAVING ANY ISSUES, MY MOTHER IS NOT DUMB (IS SOMEONE YOU KNOW DUMB OR ASS-U-ME?)SO OF COURSE SHE KNEW I WAS LATE.
    THE COLLECTIONS/RECOVERY DEPT DON'T JUDGE ANYONE, THEY DIDN'T APPROVE THE LOAN, OR LOOK AT YOUR CREDIT. JUST SO THE OTHER SMART LADY WILL KNOW:THE CREDIT SYSTEM/CREDIT RATING, SCORE IS JUDGING! NO ONE KNOWS YOU PERSONALLY WHEN ANY COMPANY IS GIVING ANY $$ TO ANYONE.
    ATTORNEYS MAY NOT WANT TO TAKE ON THE CASE BECAUSE JUST MAYBE THEY ARE NOT DOING ANYTHING WRONG?? MAYBE WE DIDN'T READ THE CONTRACT? WANTED TO USE OUR CAR MONEY TO BUY CLOTHES, GO ON VACTION OR BETTER YET GO PARTY/CLUBS.
    PLEASE DON'T TALK ABOUT GOING TO HEAVEN AND CURSING IN THE SAME CONVERSTION, THAT IS WHY WE AS CHIRSTIANS(CHURCH FOLKS) HAVE AN BAD RAP. AS A CHILD OF GOD YOU NEED TO PRAY FOR THEM, AND YOUR HOUSEHOLD.DID YOU CURSE AT THE EMPLOYEES, YOU REAP WHAT YOU SOW. THAT'S WHY THEY ARE NOT RUSHING TO HELP BECAUSE OF HOW RUDE YOU ARE - MY HEAD IS DOWN WITH SHAME AS AN CUSTOMER WITH HOW WE TREAT THIS COMPANY. NO ONE DIDN'T COME RUSHING TO MY AIDE TO WRITE OUT AN $22,000 CHECK TO THE DEALERSHIP, I LOVE MY CAR AND I AM PRETTY SURE EVERYONE ONE ELSE DOES TOO
    MY ADVICE IS TO PAY THE COMPANY, NEXT TIME WHEN CALLING THEM HAVE AN BETTER ATTITUDE WITH THE REPS, PRAY BEFORE GETTING ON THE PHONE SO SOMETHING WILL BE RESOLVED.
  • 0
    tiffany
    | 1 reply
    ROSE:rnarveson@gmail.com PRAY SOMETIMES, TALK TO THE LORD HE WILL DIRECT YOUR PATH - LOOK IN THE MIRROR WHEN YOU CONCERN YOUR SELF ABOUT BEING IGNORANT, SUING IN NOT THE ANSWER - WHAT ARE YOU GETTING OUT OF IT??? ARE YOU SUING ALL YOUR OTHER BILL COLLECTORS?
    • 0
      JF replies to tiffany
      You can never pay this company off. Read the comments. God bless! Lol
  • 0
    james melcher
    i have loan through these people and i got to say they are the worst harassers i called and said i would be late a few days they said they were coming to get the vehicle  so i said come get it so i went and paid for a vehicle cash I QUIT PAYING on the truck well they have called every tom dick and harry to get a hold of me lol they say the dont reposess vehicles they garnish wages hahahahaha by the way the vehicle is still in the driveway and they keep calling
  • 0
    Christi
    You must be very fortunate to have never been late on a payment.
    My family was in a good place financially until I started bleeding heavily at 6 months pregnant my husband works out of state and had to rush home because I was in the hospital and we also had a 4 year old at the time. If my husband isn't working there is no money coming in. We received many calls and finally were able to make payment arrangements. While our daughter was in the hospital fighting for her life after being born 2 months premature  cps began call my family members and friends and at one point even call my hospital room threatening us with legal act after we had made arrangements to pay. If you have never experienced this kind of mental torture in the midst of a family crisis you have no room to talk and should learn how to be a little more understanding.
  • 0
    BIGJOHNPHX
    Yea CPS sucks!!  They actually called my Sister and made it seem like they where Child Protective Services They just kept saying they where CPS and it was EXTREMELY urgent I get in contact.....YEA>>> ha... that pissed me off... and of course they will never admit any wrong doing.
  • 0
    Faye
    I am with 200% regarding a class action lawsuit. Tell me the place and when to be there. Maybe we should try to get 60 minutes to interview them
  • 0
    Jeramie Campana
    I'm right there with all of you. I authorized $50 they took $560, and are making me jump through hoops to get it back. Never answer, don't return calls, hang up on customer, yell, it out of control. Does anyone know who owns the company? I'm in on a suit. I might start one myself.
  • 0
    thetruth
    I am also financed by CPS and I had similiar experiences with them calling my job before I got a new job.  It is true that they will call a day before your payment is due asking for payment and on the due date as well.  My new due date does not coincide with my pay schedule and my new job and they will not change my due date stating that you can only get one pay date change throughout the duration of the loan so every month I am 10 days late. Every month they call me and I do not answer or return any calls and they do not have my new employer information and I will not give it to them. I just make my payments when I get paid.  I also decided not to send checks to them anymore because I do not want them to have any account information on me so I pay the extra 12.95 and wire them their money each and every month.  If you know that you will be making your payment but just later than your due date - do not answer or return any calls just continue doing your business as usual.
  • 0
    oldcustomer
    I used to have a loan with CPS which was paid off back in October 2007 and my gosh it was a nightmare with these people. I to fell into hard times but you know what I would not let them talk to me or anyone else in the manner that they talked to all of you. I would listen to there bull and tell them what I thought. Well they waited to take my car when my last payment was due becuase they said I owed more money. Now I had paid on this car for over 5 years and thought I had finally paid it off. Well, I want everyone that has a loan with these people to look at the very top of your loan and see if it says "Simple Interest Loan" or Simple Finance Charge" if so you are in for a huge surprise. If I were you all I would get refinanced NOW. neither one of these laons are good for you if you are going to pay late. Because what they mean is this! There are two types of interest on installment loans.

    One is called Rule of 78’s.  This interest is added to the front of the loan so that you don’t have a choice but to pay the interest first.  The banks make out really well with this type of loan.


    Simple Interest loan.The interest is calculated daily from payment to payment based on the balance of your loan on the day.  When the payment is made, no matter how much, the interest will be paid first and the remainder will be applied to the principal balance.  The interest then starts to accrue the next day based on your new balance.

    The key to saving money on a Simple Interest loan is to make sure you make your payments on the due date and pay as much over the payment amount as possible.  This way additional interest is not charged and anything above your payment amount will automatically go to the balance.

    The lower the balance the less interest paid.

    PLEASE BE AWARE!
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